Auto Insurance in Houston (77078)
Texas · Expensive · 94th percentile statewide
Carrier Rates in 77078
6-month premiums from SERFF rate filings. Standard driver profile.
How 77078 Compares
Houston (77078) is expensive for auto insurance in Texas, ranking in the 94th percentile.
The cheapest carrier is USAA at $416/6mo — 47% less than the most expensive (State Farm at $782).
The median premium of $529 is 4% above the Texas statewide median of $508.
Frequently Asked Questions
How much is auto insurance in Houston (77078)?
The median 6-month premium in Houston (77078) is $529 across 5 carriers. Premiums range from $416 to $782, based on SERFF regulatory rate filing data for a standard driver profile.
What's the cheapest auto insurance in 77078?
USAA offers the lowest rate in 77078 at $416/6mo. That's 47% less than the most expensive option (State Farm at $782/6mo). Actual premiums vary based on your driving record, vehicle, and coverage selections.
Why is auto insurance expensive in 77078?
Auto insurance rates in Houston (77078) are influenced by territory rating factors including urban density, traffic patterns, claims frequency, and theft rates. Houston ranks in the 94th percentile statewide, meaning it's expensive compared to other Texas ZIP codes. Carriers use these geographic risk factors alongside driver-specific variables to set premiums.
Other carriers in Texas
Want full rate data for 77078?
Access ZIP-level rate data across all 5 carriers, 504 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.